Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Best Five Health Insurance Plans In India 2022

Published On Feb 08, 2022 12:00 PM By InsuranceDekho

Needless to say, purchasing the finest health insurance coverage is critical, as it allows you to keep up with rising healthcare prices and ensures that you and your family have a healthy future free of medical bills and hospitalisation fees. You may be puzzled which plan to choose from a multitude of possibilities when it comes to getting health insurance.
Assessing your needs is the most important step in choosing an insurance plan for your family. If you don't have children, start with a basic cover and make changes as needed. If you have elderly relatives in your household, you'll need more extensive coverage. If you have elderly parents, you might want to look into getting separate health insurance coverage for them. To know more about the process of choosing a good health insurance plan, read on.

Best Five Health Insurance Plans In India 2022

Best Health Insurance Plans In India 2022

Following are some of the most appropriate health insurance plans in India 2022 -

1. INDIVIDUAL HEALTH INSURANCE PLANS - In an individual health insurance plan, the insurance company pays for the insured's medical expenditures based on the sum insured chosen and the premium paid. In-patient hospitalisation expenditures, pre-hospitalisation and post-hospitalisation charges, childcare expenses, domiciliary hospitalisation expenses, organ donor fees, and so on are some of the main coverage advantages given under these plans. Individual health insurance policies, which are best suited for persons with greater health risks, usually have no upper age restriction for policy renewal. On an individual sum insured basis, one can also cover their parents and close family members in the insurance.
2. FAMILY FLOATER HEALTH INSURANCE PLANS - A family floater health insurance plan, unlike individual health insurance plans, covers the entire family on a floater amount insured basis. A family floater health insurance policy is a more economical alternative than a senior citizen health insurance policy when it comes to protecting your parents under a health insurance policy.
3. SENIOR CITIZEN HEALTH INSURANCE PLANS - Senior citizen health insurance plans are designed specifically for adults aged 60 to 75 years old to meet their specific insurance needs. Most individual or family floater health insurance policies do not cover persons beyond the age of 65, thus getting a senior citizen health insurance policy is suggested. They only accept renewals after 65 years. Some of the distinctive coverage features of senior citizen health insurance plans include daycare charges, domiciliary hospitalisation expenditures, cashless hospitalisation, cover for pre-existing disorders, and cover for particular diseases.
4. CRITICAL ILLNESS INSURANCE PLANS - Heart attack, stroke, paralysis, cancer, renal failure, and other life-threatening, severe, and long-term diseases are covered by critical illness insurance. On the initial diagnosis of one of the serious diseases covered by the plan, the insured receives a lump sum payment. The insured can also use the money to pay off debts, fund a child's education, or use it in any other way he or she sees fit.
5. WOMEN SPECIFIC HEALTH INSURANCE PLANS - Women's health insurance plans are specifically tailored to satisfy the insurance needs of women at various phases of their life. These plans, for example, protect women against healthcare costs when they retire, pregnancy costs, newborn infant coverage, child education coverage, and so on. They also cover women beyond a certain age for particular diseases to which they are predisposed. Even if a woman is insured by her employer's individual health insurance policy, it is still advised that she be covered by a women-specific policy.


It is critical to compare both the plans and the premiums. There are several online aggregators that can assist you in comparing insurance plans in terms of benefits, features, premiums, maximum returns, and other factors; choosing a plan without assessing all of the possibilities accessible in the market is a recipe for disaster. By comparing the plans you may access all the advantages at a considerably reduced premium charge.

Also read-Reasons Why You Should Have A Health Insurance Policy During Omicron Break Out 

Omicron Variant - Symptoms, Treatment, Preventive Measures etc.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Disclaimer : Actual Coverage might vary basis your location, age and number of members
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers